misstara's debt diary 2018

misstara

Got back today from spending the weekend with my dad. Spent £63.19 on petrol (still have a half tank left), £18 on parking and boat tickets and £2.30 on a cup of coffee. Had a really lovely weekend, it was just what I needed . Feel happier and more motivated.

I got paid £41.84 from 2nd job on Friday so £1.84 to the debt and £40 towards weekend away. Will cover the rest of the money spent at the weekend on Friday when I next get paid from 2nd job.

Had to pay electricity/gas bill - £299.12 :eek::mad: which has totally wiped out the electricity bill fund, emergency fund and most of the holiday fund I've swapped energy suppliers and gone onto direct debit which will be around £55 a month.

In the past few days I've paid £4.84 to the debt so £13.36/£55.27, 88.2% paid

Boodedoo

Pleased you had a nice break and spent time with family.

Hopefully the utility d/d will help to smooth things out and help the budgetting.

I've wondered why you you still had a 'pay the bill at the end of the quarter' type account, but assumed that it was something that you would deal with when circumstances permitted.

and SO excited for you, 90% paid is within spitting distance!
(though I am trying to pretend that I am way too ladylike to spit!)

misstara

Thanks Boodedoo. Had that type of account for no particular reason other than I preferred to have the money in my own bank account than sitting at the energy company, however, it wasn't working as I never seemed to save enough to cover the bill hopefully this will be better.

90% is very very close :T and I'm less than £5 away from being under £1000 on credit cards . I've paid £1 this morning so £14.36/£55.27, 88.2% paid.

I do need to really concentrate on building up the car, emergency and holiday funds to ensure that I don't end up having to use the credit card later on in the year.

misstara

Yesterday I paid for entry to a 10k obstacle race later on this year, it's with the girls from work and should be really good fun but I have no money for such things so it went on the 'car' credit card . Cost £60.32 :eek: so will aim to pay this back as soon as possible. Yesterday I also spent £5.92 on some food shopping and £7.02 on toiletries.

Today I got paid £39.99 from 2nd job
- £3.99 flat debt
- £6 car debt
- £10 present
- £20 back into food budget to cover what I borrowed for last weekend away

I'm heading round to see my gran in a bit. It's her birthday next week so I'll get her a card and wee gift to take round, probably a plant or flowers.

misstara

Spends for today were £11 on a card and bouquet of flowers for my gran. Had a really lovely day off

misstara

Paid £1 towards the debt this morning. Have paid £6.99 in the last few days so £21.35/£55.27, 88.5% paid

misstara

NSD yesterday . I worked a wee shift for 2nd job last night so will get around £40 on Friday. I've picked up a shift with them for next week but trying to decide whether to pick up another for extra cash.

I've paid £1 to the debt this morning - £22.35/£55.27, 88.6% paid

misstara

I went for a run yesterday after work which was pretty hard going, managed 35 mins but need to get training properly for the GNR. I also went to the supermarket and spent £20.98, really hoping that I won't have to buy anything else this week other than milk.

I've decided to see if I can pick up another wee shift this week so I'll phone 2nd job today.

£1 paid to the debt this morning - £23.35/£55.27, 88.6% paid

misstara

Went for a run again this morning and definitely found it easier than Sunday's run. On the way home after, I voted and also picked up prescriptions for me and OH.

Did a shift for 2nd job last night and have another booked for tomorrow morning - should get around £65 next Friday. I've also picked up a shift with them next Saturday.

Got pay slip through for main job - £1707.20 so will get started on a budget for that.

Paid £1 to the debt Tuesday and Wednesday, £25.35/£55.27, 88.7% paid. This morning, I bought coffee and milk which was £7.25 and will put £10 petrol in the car on the way to work. Right better go get organised, I start work in 30 mins!

misstara

Got £44.99 today from 2nd job
- £4.99 to debt
- £5 car fund
- £10 petrol (from yesterday)
- £5 holiday
- £20 food

Debt payments are £30.34/£55.27, 88.9% paid Just away to get organised for my wee shift with 2nd job this morning, it's only 3.5 hours and then I'm working a late shift at main job.